The Cheapest Car Insurance in Utah (January 2023)

The least expensive auto insurance company in Utah for those with bad credit, teens, young adults, seniors and people with a speeding ticket is Nationwide. American Family is the cheapest for those with at-fault accidents. State Farm is the cheapest for DUI drivers. Auto-Owners Insurance Co and USAA have the best rates for those with sports cars and military personnel, respectively.

MoneyGeek also determined the best car insurance in Utah if you want a balance of affordability and quality service.

In Utah, the cheapest auto insurance companies for a minimum coverage policy are:

• Farmers Union Insurance: $388 per year
• Auto-Owners Insurance Co: $399 per year

In addition, Kemper offers the most expensive minimum liability insurance coverage in the state at $843 yearly.

Utah's minimum liability coverage requirements for car insurance include personal injury protection per person, bodily injury liability per person, bodily injury liability per accident and property damage liability per accident.

A minimum coverage policy provides financial protection against the cost of damages or injuries you cause to others.

Such policies do not cover costs associated with damage to your own car, such as repairs or replacement. Consider buying a comprehensive insurance policy to protect yourself against these costs.

The cheapest auto insurance companies in Utah offering full coverage policies are:

• Nationwide: $725 per year
• Auto-Owners Insurance Co: $726 per year

Our analysis found Kemper offers the most expensive full coverage insurance policy, costing an average of $1,727 per year.

The average cost for adding comprehensive and collision coverage to a policy in Utah varies based on the insurer and the coverage limits. For instance, an Auto-Owners Insurance Co full coverage policy is $327 more expensive than its minimum coverage premium.

A full coverage policy provides financial protection against both on-road and off-road damages like hitting a tree, being hit by a hit-and-run driver, flooding, hail, wind, fire, theft and other accident-related damages.

The amount of car insurance you need will significantly affect your rate. MoneyGeek's sample full coverage policy includes liability protection of:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage liability per accident

To save money, you can opt for lower liability limits, drop comprehensive and collision insurance or raise your deductible, but you risk not having enough coverage if you get into an accident.

Getting a car insurance quote online can often take up to 15 minutes. Furthermore, you'll need to compare quotes from multiple websites to ensure you get the best deal.

MoneyGeek's car insurance calculator simplifies this process, allowing you to get an estimate without providing specific personal information. Our calculator can help you find the cheapest car insurance quickly and easily, giving you a great starting point for finding the right coverage.

MoneyGeek data shows that the cheapest car insurance companies in Utah for teens are:

• Nationwide: $1,491 per year for male teens and $1,332 per year for female teens
• Allstate: $2,299 per year for male teens and $2,184 per year for female teens

A 19-year-old teen driver pays a significantly lower car insurance rate than a 16-year-old teen because their premium diminishes as they age. In Utah, the provider with the most affordable rate for 19-year-old male drivers is Nationwide ($1,352 per year).

The most expensive company for teens and their families is Kemper ($11,910 for males and $10,326 for female teens). Adding a 16-year-old in Utah to their parent's policy is usually more cost-effective than purchasing a separate policy. For example, it can cost $3,164 per year to add a 16-year-old in Utah to an existing policy compared with approximately $6,329 to purchase a separate policy, a $3,165 difference.

Families with young drivers may be able to save on their car insurance premiums by taking advantage of discounts certain insurers offer.

For example, Nationwide and Allstate offer various discounts for young drivers, such as good student discounts, distant student discounts and drivers education discounts. These discounts can help families save on their car insurance premiums.

The following insurers offer the cheapest car insurance premiums for drivers in their 20s:

• Nationwide: $896 per year
• GEICO: $907 per year

At an average of $2,021, Kemper is the most expensive insurer for young drivers in Utah.

Research shows that drivers in their 20s pay up to $171 more for car insurance than middle-aged drivers. This difference in cost is due to the increased risk associated with younger drivers, as they are more likely to be involved in accidents than more experienced drivers.

Our analysis shows that the following companies offer the cheapest auto insurance for Utah seniors:

• Nationwide: $670 per year
• Auto-Owners Insurance Co: $729 per year

Kemper offers the most expensive premium at $1,708 for seniors in Utah. Senior drivers typically pay slightly less for car insurance than middle-aged drivers, but the exact difference depends on the company.

Those in their 60s pay about $55 less than drivers in their 40s. However, rates are typically higher for drivers in their 70s or older. This is because insurance companies consider senior drivers more at risk for an accident due to age-related factors, such as slower reflexes and poorer vision.

Many insurers offer senior discounts, including Allstate, Farmers and GEICO. Check with your insurer to see if it offers discounts for seniors. Additionally, some insurers offer discounts for completing a driver safety course or having a good driving record.

Drivers in Utah with tickets, accidents or DUIs may find the cheapest car insurance from Nationwide, American Family and State Farm. However, they should be aware their auto insurance premiums may be higher than those of drivers with clean records.

The most affordable car insurance providers in Utah for drivers with a speeding ticket are:

• Nationwide: $852 per year
• Auto-Owners Insurance Co: 956 per year

Kemper is the most expensive car insurance provider in Utah after a ticket, with an annual rate of up to $2,115. Those with a ticket on their driving record face a substantial financial penalty when it comes to car insurance — they pay $127 more for the cheapest company's coverage than those with a clean record.

The following insurers offer the most affordable auto insurance in Utah for drivers with an at-fault accident:

• American Family: $899 yearly
• State Farm: $1,098 yearly

Kemper is the costliest insurer for those who have been involved in an at-fault accident, with a premium of $2,494. Utah drivers with an at-fault accident pay an extra $480 compared with those with a clean driving record, even when opting for the lowest-cost insurer.

Utah residents with a DUI on their driving records will find the most affordable full coverage car insurance from:

• State Farm: $1,004 per year
• American Family: $1,096 per year

If you have a DUI on your record, you can expect to pay an average of $2,215 per year for car insurance from Iowa Farm Bureau, the most expensive insurer in the state. This amount is about $624 more than what drivers with a clean record would pay.

The lowest-priced car insurance providers in Utah for drivers with bad credit are:

• Nationwide: $975 annually
• GEICO: $1,490 annually

State Farm charges the most for car insurance if you have a low credit score: $3,038 per year. Insurers consider credit scores when they are setting policy rates. If your score is below 580, you could pay an extra $624 per year for car insurance in Utah compared with someone with a credit score above 750.

Auto insurance is more expensive for drivers with poor credit because insurance companies consider them high risk. They may have difficulty making on-time payments and are more likely to get into an accident and make a claim.

You can reduce your rates by improving your credit score over time or taking advantage of discounts like bundling or car safety discounts. Comparing multiple insurers can also help you save money.

The cheapest car insurance providers in Utah for sports car drivers include:

• Auto-Owners Insurance Co.: $735 per year
• Nationwide: $811 per year

At $1,807, Kemper is the costliest sports car insurer in Utah. In Utah, auto insurance for a sports car is generally more expensive than a policy for a standard vehicle like a Toyota Camry LE. Typically, premiums for sports car drivers are around $20 higher than those for a standard vehicle. This is due to the higher repair and replacement costs associated with sports cars.

MoneyGeek used a Ford Mustang as its sample sports car, but costs may vary depending on the model. Generally, luxury, electric and sports cars are more expensive to insure than other models, but this may not be the case in your state. Your insurer can provide an accurate estimate of the cost of insuring your car.

The cheapest car insurance in Utah for military drivers is USAA, at an average of $657 yearly. USAA is a leading provider of insurance and other financial services tailored to the needs of military personnel and their families. With USAA, military drivers can get competitive rates on car insurance and additional coverage options.

The cost of car insurance in Utah can vary widely depending on where you live. For example, in West Jordan, the cheapest full coverage premium costs $899 from Farmers Union Insurance, whereas in Provo, the cheapest full coverage premium costs $902 from Nationwide.

On the other end of the spectrum, the most expensive full coverage premiums are found in West Valley City, where the cheapest policy costs $962 from Farmers Union Insurance.

Utah requires all drivers to carry minimum liability insurance, including bodily injury, property damage and personal injury coverage. However, MoneyGeek recommends having more extensive coverage than the state minimum to protect yourself financially.

In Utah, drivers are only required to purchase minimum liability coverage, which includes bodily injury and property damage, to operate a vehicle legally. Although purchasing minimum liability coverage can help save money, it provides less protection in an accident.

SR-22 insurance in Utah is required for drivers convicted of driving-related offenses, such as DUI or reckless driving. SR-22 insurance is liability insurance that must be purchased and maintained for a minimum period, usually three years.

MoneyGeek recommends that Utah drivers carry higher coverage limits than the state minimum. Specifically, this includes a minimum of $100,000 per person and $300,000 per accident for bodily injury liability coverage and $100,000 per accident for property damage liability coverage.

Drivers who finance their car purchase usually need to purchase comprehensive and collision coverage. Comprehensive coverage pays for damage to your car caused by theft, vandalism, fire, flooding and other non-collision events. Collision coverage pays for damage to your car caused by a collision with another vehicle or object.

We also recommend that those with valuable cars, such as luxury vehicles or classic cars, consider buying full coverage insurance to protect their investment in case of an accident.

Utah law requires drivers to carry a minimum liability coverage of 25/65/15.

In addition to liability coverage, drivers may purchase other types of insurance coverage, such as collision, comprehensive and uninsured/underinsured motorist coverage. These coverages help protect drivers and their vehicles in an accident.

Drivers looking for alternative coverage can opt for pay-as-you-drive, usage-based, and non-standard auto insurance. Pay-as-you-drive insurance allows drivers to pay for insurance based on the miles they drive, whereas usage-based insurance provides drivers with discounts for safe driving. Non-standard auto insurance provides coverage for drivers with certain high-risk factors, such as a DUI or poor driving record.

MoneyGeek answers the most commonly asked questions about auto insurance in Utah.